Pay small small for your phone or laptop.
Pay 20% today and spread the rest daily, weekly or monthly, for up to 270 days. 0% interest, no payslip, no guarantor.
Example device
Pay over
Pay
Each payment
₦1,556 a day
Example prices and an approximate schedule. The app shows your exact payments and dates before you confirm. Approval and your limit depend on your Pody Credit Score.
What you can buy
Phones, laptops and tablets.
Every device comes from the brand or its official sellers, at the normal shop price. New ones come sealed with a warranty. Used ones show their condition before you buy. Shopping guide
Comes sealed in its box, with the maker's warranty.
Shop price
₦450,000
On Pody
₦450,000
Example price. From the brand or its official sellers.
How long and how often
Small small, on your terms.
Pay at least 20% today. You choose how the rest is split. New to it? See how buy now, pay later works with Pody.
1, 3, 6 or 9 months
Pick how long at checkout, up to 270 days. A longer plan doesn't cost more: the total is still the price.
Daily, weekly or monthly
Pick how often you pay. The balance is split evenly and the dates are fixed once you confirm.
Pay early, no penalty
Clear an instalment or the whole balance any time. Paying early counts in your favour on your credit score.
One plan at a time
Finish your plan before starting the next. Finishing a plan is the strongest boost your score can get.
What you need
Your studies, not your salary.
Paying small small is for students enrolled at a partner institution. Paying in full? Anyone can sign up and buy outright, with nothing to verify.
What we check
- A government-issued ID, a short liveness check and your address
- Your institution, course and matriculation number
- Your school email, enrolment date and expected graduation date
- A photo of your student ID card
Reviews usually take one business day.
What we don't ask for
- A payslip or proof of income
- A guarantor
- A credit history
Your limit follows your Pody Credit Score, driven by your academic standing and how you repay, up to ₦1,000,000.
How to start
Four steps in the app.
Every step in detail is in how Pody works and the Pody Finance guide.
- 1
Get the app
Download Pody and sign up with your email.
- 2
Verify
Check your ID and student status. Reviews usually take one business day.
- 3
Pick a device
A laptop, phone or tablet. New ones come sealed with the maker's warranty.
- 4
Pay small small
Choose Pody Finance at checkout, pay at least 20%, then pick your plan and how often you pay.
What is the best pay small small app for students?
One built around being a student. Many plans ask what you earn. Pody looks at your enrolment and academic standing instead, charges 0% interest, adds no markup, and lets you pay daily, weekly or monthly for up to 270 days.
Can I pay small small for a laptop?
Yes. Laptops, phones and tablets can all go on a plan, up to your limit. Limits go up to ₦1,000,000 and follow your Pody Credit Score.
How much do I pay upfront?
At least 20% of the order total, from your Pody wallet at checkout. Pay more upfront and every instalment gets smaller.
Do I need a payslip or a guarantor?
No. No payslip, no guarantor and no credit history. We verify your ID and your student status instead.
Is there any interest?
No. 0% interest, no hidden fees and no markup. You pay the device's market price, split across your plan.
What happens if I miss a payment?
We'll notify you and work with you on it. A late instalment lowers your credit score and may carry a late payment fee, as set out in our terms. Top up a day before each due date so a slow transfer never makes you late.
Start today
Get the device. Own your future.
No salary slip, no guarantor, zero interest - just your academic record.
Pody Network Limited is not a bank. BNPL approval is subject to our due diligence and approval process. Device availability is also subject to stock levels and may vary by time and location.